Privacy policy

Terms of Use Policy

Last Updated: June 24, 2025

User Agreement

These Online Terms of Use (the "Terms") apply to this Website, the cloud-based data exchange for system software integration and automated data processing (the "Platform"), and custom web application and service software (each an "Application," and together with the Platform, the "SaaS"), offered by Pay Ready, Inc., Inc. ("Pay Ready, Inc.") (Collectively, the "Site"). These Terms are a binding legal agreement between you and Pay Ready that govern your use of the Site regardless of whether you are a registered user or browse the Site as a visitor, including through a bot or other automated means, where "you," "your," or "user" refers to the person accessing or using the Site, or the entity you represent. When used in the Terms "Pay Ready, Inc." "we," "our," or "us" refers to Pay Ready, Inc.

Please read the Terms carefully. By accessing the Site, you represent and warrant that you are at least eighteen (18) years of age, and you agree to be bound by the Terms. If you do not agree to the Terms, you must cease using the Site. If you are entering the Terms for a company, organization, or other legal entity, you warrant that you have the authority to bind that entity, as well as all users who will have access to your Pay Ready, Inc. Account in the Site, to all of the Terms. If you don't have that authority or are not sure if you have that authority, you may not enter into the Terms, and you may not use the Site.

Our obligations with respect to Client Data (which is data collected and controlled by our Clients and Agents, if any - hereinafter, "Clients") are governed by our Client agreements, Clients' own lease and vendor agreements, and Clients' Privacy Policies and Site Terms of Use, as applicable. Our Clients are residential real estate property owners and property managers. We are a Service Provider that processes Client Data under the instructions of our Clients and generally has no direct relationship with the individuals to whom our Clients' Client Data may pertain. If you have any questions about the practices of a Client that uses Client Billing to process your personal information, please contact that Client directly.

We maintain other terms and policies that supplement these Terms, like our Privacy Policy, which describes our collection and use of certain information. Unless expressly stated otherwise, these Terms apply to all the SaaS offered by Pay Ready, Inc. You agree that the Terms applicable to your use of the SaaS take effect to the earlier of when you execute a Cloud Subscription and License Agreement, you click an "I Accept" button or checkbox presented with these terms, or when you use any of the SaaS (the "Effective Date").

By accessing the Site, you consent to the collection and use of certain information, as specified in the Notice of Privacy Policy.

Pay Ready reserves the right, at its sole discretion, to change, modify, add, or remove portions of these Terms at any time. We may notify users of material changes to these Terms by posting a notice on our Site or emailing users. It is your responsibility to check these Terms periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. On condition that you comply with these Terms, Pay Ready grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site.

1. Payment Authorization. By accessing and using this Site, you authorize us to (a) establish and maintain your payment information and (b) process your payments according to your instructions. We will use our reasonable commercial efforts to apply all your payments in accordance with your instructions. However, we shall incur no liability if we are unable to complete any payments initiated by you (including, without limitation, because of the existence of any one or more of the following circumstances: (i) your payment account contains insufficient funds to complete the transaction, (ii) the Site is not working properly and you know or have been advised by us about the malfunction before you execute the transaction, (iii) you have provided us with incorrect payment account information, (iv) we have been provided incorrect information by the individual or entity to whom you are making the payment, or (v) circumstances beyond our control). We reserve the right to withhold or reverse any payment suspected of fraud or unauthorized use.
   
2. Types of Payments and Payees. Payments that you authorize will be made from a bank account or other payment account that you designate. It is your sole responsibility to establish and maintain the payment account and to pay any, and all fees associated with the payment account.
   1. "Merchant" means the owner, property, property management company, and/or other business to which you are making a payment, and which is accepting your payment.
   2. "Principal Payment" means the payment you are making to the Merchant for an obligation you owe to the Merchant (for example, rent, lease charges, a security deposit, an application fee, or other payment obligation). The Principal Payment is an amount you are paying the Merchant and is separate from any Fees paid to us.
      
3. Fees. "Fees" mean any convenience or other fees charged by us to you for providing the value-added SaaS as described herein when and where authorized by lease or permitted law. As it relates to any payment processing SaaS, the Fees are separate from the amount of any Principal Payment and are for the SaaS provided by us on behalf of the Merchant, which is separate from the services provided to you by the Merchant directly. Fees are not surcharges. Additional disclosures regarding Fees are given within your Pay Ready, Inc. Account preceding checkout. Prior to the completion of the transaction, you will have the opportunity to cancel the transaction and avoid paying the fee if another designated payment method is chosen. Fees will be included as a part of the total amount of the transaction and not put through interchange as a separate transaction. By completing a transaction, you expressly consent to any applicable Fees disclosed prior to checkout. Where payment through our platform on your account is returned or charged back to us due to insufficient funds or account misuse involving your account, we reserve the right to charge you for all insufficient funds’ fees and related reasonable resolution and recovery costs we incur.
   
4. Timing. By using this Site, you are authorizing us to charge the payment account you designate and to remit funds on your behalf. It is your responsibility to initiate payments in a timely manner, so that the funds will arrive on or before the date they are due. It is also your duty to notify us if a payment has not been applied in accordance with your instructions.
   
5. Permitted Use. You agree to use this Site solely to pay legal obligations on your behalf or on behalf of another (see PAYMENTS FOR OTHERS). You agree to use this Site in strict compliance with applicable law. We ask you to treat our Site with respect and not to use the Site or our products or services for any illegal purpose or in such a way as to infringe or breach other's rights or to cause or threaten to cause us damage. We also ask you to comply with any relevant notices, policies, and terms imposed by third parties whose website, products, or services you access through our Site. We reserve the right to suspend the use of our Site generally or block your access to any part of the Site and/or to suspend or terminate your rights to use the Site or any part of it if we suspect misuse. We shall then report any misuse of our Site to the relevant enforcement or other authorities and to our advisers. We further reserve the right to disclose any evidence we have which relates directly or indirectly to misuse.
   
6. Payments for Others. If you are making a payment to satisfy the obligation of another person, you represent and warrant that you have been authorized by such other person to make a payment on his or her behalf.
   
7. Refund Policy. All transactions made are final. Under certain circumstances, a transaction may be reviewed.
   1. You can request a refund through Pay Ready, Inc. for a payment processed through your Pay Ready, Inc. Account if the payment is still processing to the Merchant and not yet settled to the Merchant account. Once the funds have settled to the Merchant's deposit account, you must request a refund directly through the Merchant. All transaction cancellations or refunds through Pay Ready, Inc. must be requested by emailing support@payready.com. The request must include the transaction number and amount to be refunded. If you do not have a Pay Ready, Inc. Account, the refund request must be submitted to the Merchant for processing. Refund requests through Pay Ready, Inc. are fulfilled only during business hours. Any applicable Fees and NSF fees charged by the Company will not be refunded.
   2. If you believe there has been an error or your transaction was applied incorrectly, please contact us at support@payready.com.
      
8. Amendments. We may modify these terms and conditions from time to time without notice. The terms and conditions in effect at the time you use this Site are the terms and conditions that govern your use.
   
9. Intellectual Property and Marks. As between you and us, we own all rights, titles, and interests in and to the Site, including all related technology, trademarks, and other intellectual property rights. Moreover, any suggestions, ideas, notes, drawings, concepts, or other information you may send to us shall be considered an uncompensated contribution of intellectual property and be deemed our exclusive intellectual property. By submitting any such materials to us, you grant to us a perpetual, royalty-free irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed, and you warrant that all so-called "moral rights" in those materials have been waived, and you warrant that you have the right to make these warranties and grants of rights. You expressly agree not to (a) copy, modify, adapt, translate, publish, port, display, license, sublicense, rent, lend, lease, loan, sell, resell, assign, transfer, distribute, make derivative works (including, without limitation, improvements, enhancements, revisions or modifications) of, or otherwise transfer or assign any right to the Site; (b) decompile, disassemble, reverse engineer or otherwise attempt to identify, reconstruct, derive or discover the source code (or the underlying ideas, user interface techniques, algorithms, structure or organization) of the Site; (c) remove any copyright, trademark, patent or other proprietary notices from the Site; (d) use the Site for any purpose other than as expressly authorized herein; or (e) challenge the validity of the copyright or any other rights of the Site, or title or interest thereto. Pay Ready, Inc. owns various trademarks and registered trademarks ("the marks"), a list of which can be obtained from us. You may not use those marks and any third-party trademarks that appear on this Site other than as permitted by express written license from Pay Ready, Inc. or by law. In particular, but without limitation, you may not use the marks as meta-tags, nor may you sponsor them in search engines. All goodwill in your legitimate use of the marks shall accrue to Pay Ready, Inc. Please notify us immediately if you become aware of any infringement of the marks.
   
10. Third-Party Sites. Links to this Site are permitted, subject to first obtaining our prior written consent, although we reserve the right to withdraw such consent at any time. Links must only be made to the home page of this Site, and you are not entitled (nor shall you assist others) to set up links from your own website to this Site by deep-linking, framing, or otherwise, without our prior written consent. Such consent may be withheld at our absolute discretion and without the need to provide a reason.
    

This Site includes links that allow you to leave this Site and visit third-party sites. We have no control over and are not responsible for the content, use by you, or availability of those third-party websites for any products or services you buy through those sites or for the treatment of any personal information you provide to the third party.

The products, services, and websites of third-party providers made available via this Site are owned and operated by independent organizations. We are not responsible for how third parties collect, use, or secure your data. You should review their privacy policies before sharing personal information. While we may co-brand these products or services with our own, we do not endorse those products or services or warrant the accuracy or reliability of any information provided to you by such third parties. In particular, we do not warrant or guarantee that you will be satisfied with the products and/or services supplied by third parties, and you should make whatever inquiries you feel are necessary before proceeding with any such transactions.

1. Disclaimers. THE SITE AND THE SERVICE ARE PROVIDED ON AN "AS IS, AS AVAILABLE" BASIS. WE MAKE NO WARRANTY, REPRESENTATION, GUARANTY OR CONDITION OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE (INCLUDING, WITHOUT LIMITATION, WARRANTIES OF RELIABILITY, TIMELINESS, QUALITY, SUITABILITY, AVAILABILITY, ACCURACY, COMPLETENESS, TITLE, OR NON-INFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE), WITH RESPECT TO THE SITE, THE SERVICE, OR ANY OF THE CONTENT, SERVICES, PRODUCTS, SOFTWARE OR OTHER MATERIALS AVAILABLE THROUGH THE SITE. WE DO NOT GUARNTEE THE SECURITY OF YOUR DATA TRANSMITTED THROUGH THIRD-PARTY NETWORKS OR THE INTERNET.
   
2. Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY, OR MULTIPLE DAMAGES OF ANY KIND IN CONNECTION WITH OR ARISING OUT OF YOUR USE OF THIS SITE OR THESE SERVICES. IF WE LEARN OR YOU INFORM US THAT WE HAVE MADE A MISTAKE IN APPLYING YOUR PAYMENT, WE WILL TAKE ONE OF THE FOLLOWING ACTIONS AT OUR SOLE DISCRETION: (i) IF YOU HAVE PAID A FEE TO ACCESS THIS SITE, WE WILL REFUND THE FEE TO YOU; OR (ii) WE WILL REAPPLY THE PAYMENT IN ACCORDANCE WITH YOUR ORIGINAL INSTRUCTIONS. THIS IS YOUR SOLE AND EXCLUSIVE REMEDY.
   
3. Indemnification. You shall defend and indemnify us against any damages we may suffer from your failure to strictly comply with all these Terms.
   
4. Miscellaneous.
   1. Consent to Jurisdiction. By using this Site, both you and we submit to the exclusive jurisdiction of the federal and state courts located in Orange County, California, for the purposes of any lawsuit filed by you or us. If you or we wish to file a lawsuit or other legal action, you or we must do so in a state or federal court in Orange County, California. You hereby waive any objection to these terms. If any legal action or any arbitration or other proceeding is brought in connection with these Terms and your use of the Site, the prevailing party shall be entitled to recover reasonable attorneys' fees and other costs incurred in that action or proceeding, in addition to any other relief to which we may be entitled. Before initiating legal proceedings, you agree to attempt to resolve any dispute through good faith negotiations or mediation. YOU AND WE ACKNOWLEDGE AND AGREE THAT ANY CONTROVERSY THAT MAY ARISE UNDER THESE TERMS IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES AND, THEREFORE, YOU AND WE IRREVOCABLY AND UNCONDITIONALLY WAIVE ANY RIGHT YOU OR WE MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THESE TERMS, THIS SITE OR THE SERVICES.
   2. General. These Terms: (i) contain the entire agreement between you and us with respect to the Site; It supersedes all oral agreements and all prior written agreements; (ii) are governed by, and will be construed and enforced in accordance with, the laws of the State of California without giving effect to any conflict of laws rules; and (iii) are binding upon, and will insure to the benefit of, the parties and their respective successors and permitted assigns. You may not assign your rights or delegate your obligations hereunder to any third party. Any waiver of any breach or violation of any provision of these Terms will not operate as, or be construed to be, a waiver of any subsequent breach or violation hereof. Any provision of these Terms which is prohibited or unenforceable in any jurisdiction will, as to such jurisdiction, be ineffective to the extend such prohibition or unenforceability without invalidating the remaining petitions hereof or affecting gate validity or enforceability of such provision in any other jurisdictions.
   3. Equitable Relief. You acknowledge and agree that you or we may be irreparably damaged in the event that the Terms are not performed as required herein and that monetary damages alone may not be a sufficient remedy for such non-performance. Accordingly, you and we agree that equitable and fair relief may be appropriate and may include an order requiring you or us to cease engaging in a specific act, or it may require that you or we take specific action. In this event, neither you nor we will be required to post a bond or other security or to prove actual damage or harm. Equitable relief shall not be deemed to be an exclusive remedy but shall be in addition to all other available remedies.
   4. Notices. You agree that we may provide notices to you by using one or more of the following methods: Posting them on this Site, emailing them to an email address that you have provided, sending them via text message to a mobile number you have provided; Or by mailing them to a postal address that you have provided. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by U.S. mail, which shall be deed received by you no later than five (5) calendar days after it is mailed. You may provide notice to us at support@payready.com. Notices sent to us will be deemed received upon our receipt of such notices.

1. Registration, Communications Notice, and Consent.

1. 1. We may require you to register before we supply any non-chargeable services via this Site. When you register, you agree to provide true, accurate, up-to-date, and complete information as required by the relevant registration form made available to you via this Site. It is your responsibility to ensure your contact information is current and accurate.

1. 1. You consent to receive and hereby request to receive communications, which may include phone calls, artificial communications, electronic mail, or SMS text messages, through the Platform from Vendors or Clients, including but not limited to recurring communications relating to your Account and the Services, such as Account information, billing information, and advertising and marketing communications. You understand and agree that you may receive communications generated by automatic telephone dialing systems and artificial or prerecorded messages sent by Vendors or Clients. Standard message and data rates may apply. You certify, warrant, and represent that you are the subscriber or non-subscriber customary user of the telephone number you provide to Clients or Vendors, and further certify, warrant, and represent that any other subscribers or customary users of that telephone number have authorized you to consent on their behalf to receive messages, including but not limited auto dialed and artificial or prerecorded messages.

1. 1. If you do not wish to receive phone calls or SMS text messages, you may opt out of such messages by sending an email to the Client or Vendor sending the message or to support@payready.com, updating your communication preferences in your Account profile on the Platform, or by replying "STOP" from the mobile device receiving the messages. You understand and agree that, in response to any such "STOP" message, you may receive an SMS text message indicating that you will no longer receive any SMS text messages from the Vendors and Clients messaging you.

1. 1. If you prefer not to receive emails from us about marketing offers and promotions, please unsubscribe via the unsubscribe link in an email or contact us. Alternatively, you may opt out of commercial email by updating your communication preferences in your Account profile on the Pay Ready platform. We will endeavor to comply with your request as soon as reasonably practicable.

We appreciate your preference for making informed choices regarding the gathering and use of information about you. This notice (our “Privacy Policy”) informs you of the gathering of information about you through this website and the use and disclosure of that information.

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include information where the identity has been removed (anonymous data).

What type of data do we obtain?

The types of personal data we could possibly obtain have been grouped in the list below. The listing here does not mean that we have or will gather this type of information about you.

• Identity Data includes name, aliases, username, driver's license number, social security number, passport number, and similar identifiers.
• Contact Data includes billing address, delivery address, email address, and telephone numbers.
• Financial Data includes bank account and payment card details.
• Technical Data includes internet protocol (IP) address, login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices used to access this website.
• Characteristic Data includes birthdate and sex.
• Transactional Data includes details about payments to us and other details about purchases of our products and services.
• Credit Data includes information about amounts owing and payments to creditors generally.
• Biometric Data includes facial imagery, fingerprints, and physical descriptions (such as eye color and height).
• Profile Data includes interests, preferences, feedback, and survey responses.
• Usage Data includes information about the use of our website, products, and services.
• Communications Data includes preferences in receiving marketing from us and our third parties and preferences in receiving other communications from us and our third parties.
• Organization Data includes the title, and the organization represented.
• Professional Data includes employment history, professional licenses, occupational certifications, and professional references.
• Public record Data includes information about civil litigation history, garnishments, liens, encumbrances, and listing on government exclusion lists.
• Predictive Data includes inferences drawn from the other categories of data.

We do not gather any of the following:

• Information covered by California Civil Code section 1798.80 except to the extent identified in some category above;
• Geolocation data, except to the extent that it is Technical Data or Profile Data;
• Audio, thermal, olfactory, or similar information;
• Electronic information except to the extent identified in some category above; or
• Visual information except to the extent that it is Biometric Data.

From whom do we obtain information?

We are a Service Provider that processes Client Data (data collected and controlled by our Clients and their Agents, if any, hereinafter, "Clients") subject to our Clients' instructions and generally have no direct relationship with the individuals to whom our Clients Data may pertain. Our traditional Clients are residential real estate property owners and property managers. Our obligations with respect to Client Data are governed by this Privacy Policy, our Client Agreements, Clients' own lease and vendor agreements, and Clients' Privacy Policies and website Terms of Use, as applicable. If you have any questions about the practices of a Client who directs our service to process your personal information, please contact that Client directly.

We obtain information from four main sources.

When any of the four sources interact with our website, email servers, fax machines, or telephone systems, we automatically collect Technical and Usage Data. Our website gathers data about equipment, browsing actions, and patterns by using cookies, server logs, and other similar technologies. On our email servers, we gather data about who transmitted the email to us and how. On our fax machines and telephone systems, we gather data, including the telephone number transmitted to us.

We gather some data from Visitors, meaning people who:

• use our public website without logging in to an account for a Customer or an Account, beginning the process to register as a Customer or an Account, explicitly identifying as a Customer or an Account; or
• send us an email, call one of our telephone numbers, or send us mail or fax with content that does not cause us to associate the information with a Customer, Account, or Furnisher.

We obtain data from Visitors' activities such as subscribing to our publications, requesting marketing materials be sent to them, entering a competition, promotion, or survey, or giving us feedback.

We obtain some data from Customers, meaning people who:

• log in to our website as a Customer;
• begin the process of registering as a Customer on our website; or
• send us an email, call one of our telephone numbers, or send us mail or fax with content that causes us to associate the information with a Customer.

Examples of Customers’ activities from which we gather data include registering to receive services, providing payment information for billing, and identifying users who can order services.

We obtain some data from Accounts, meaning people about whom we are performing services. Examples of Accounts' activities from which we obtain data include completing forms about themselves, acknowledging disclosures and notices, requesting disclosure of information in our files, and requesting a reinvestigation of that information.

We obtain some information from Furnishers, meaning people who:

• have information about our Customers (or their representatives);
• have information about the Accounts;
• perform processing for our Customers; or
• act as an intermediary to one of the above.

Examples of Furnishers' activities from which we acquire data include providing marketing leads, providing information establishing the legitimacy of prospective Customers, processing payments from Customers, verifying the information of Accounts, providing summaries of public records about Accounts, and providing credit reports about Accounts. Most of our services involve us obtaining information from Furnishers, so there are Furnisher activities that are specific to each of our services.

How do we assemble data about you through your visiting this website?

When you visit this website, the website automatically gathers Technical Data in server logs and Technical Data and Usage Data through cookies, web beacons, and other technologies.

When you visit this website, the website places one or more text files (each called a “cookie”) in the browser directory of your computer's hard drive. A cookie is a small piece of information that a website can store on your web browser and later retrieve. The typical information that cookies store includes the date and time of your visit, your registration information, and your navigational and purchase activity. Our website uses cookies to identify your computer consistently as you navigate through the website and to control what it displays to you. Most browsers allow you to decline cookies. But if you decline cookies, the website may not operate properly. Our website does not currently recognize “do not track” signals transmitted by web browsers. You are free to delete cookies after your session. Your browser should contain instructions on how to do this.

We use Google Ads. As you navigate to this website from Google Ads, the website may place advertising cookies on your computer. These advertising cookies identify your computer as one that has visited the website. When you visit another site that has an agreement with our advertising network, the other site will use the cookie to display our advertisements to you on the other site. This does not involve collecting personal data about you, such as your name, email address, postal address, or telephone number. Google makes available a number of ways to control this at https://support.google.com/ads/answer/2662922?hl=en. Additionally, the National Advertising Initiative makes available a tool to opt out of multiple advertising networks at http://optout.networkadvertising.org/.

We use Google Analytics to analyze the use of our own website. You can find more information about what data gets collected and used at this website: https://policies.google.com/technologies/partner-sites.

How do we obtain data about you through email?

When you interact with us through email, we may gather Technical and Usage Data through pixel tags and other technologies.

Do we obtain information from children?

We do not intend to collect personal data from anyone under the age of 18, and if you are under 18, you should not enter information on this website.

On whom do we acquire information?

We generally collect information on two types of individuals:

First, we gather information on Users, meaning individuals who interact with us. In the table below, the User column indicates whether we obtain information about the User as the user with whom we are interacting rather than as the Account.

Second, we assemble information on Account Holders, meaning individuals associated with the Accounts. In the table below, the Holder column indicates whether we obtain information about the Holder associated with the Account rather than the User with whom we are interacting.

When the source of data is the Account, the User and the Holder are the same person:

In that case, we indicate in the User column the types of data that we gather primarily for the purpose of interacting with the User, and we indicate in the Holder column the types of data that we obtain mainly for the purpose of using or providing it in the performance of services for our customer.

Data Type	User	Holder
Identity Data	Yes, if supplied by Visitor, Customer, Account, or Furnisher	Yes, if supplied by Account, Customer, or Furnisher
Contact Data	Yes, if supplied by Visitor, Customer, Account, or Furnisher	Yes, if supplied by Account, Customer, or Furnisher
Financial Data	Yes, if supplied by Customer or Furnisher	Yes, if supplied by Account, Customer, or Furnisher
Technical Data	Yes, automatic if electronic interaction	Yes, automatic
Characteristic Data	Yes, if supplied by Visitor, Customer, Account, or Furnisher	Yes, if supplied by Customer, Account, or Furnisher
Transactional Data	Yes, automatic	Yes, automatic
Credit Data	No	Yes, if supplied by Customer, Account, or Furnisher
Biometric Data	No	Yes, if supplied by Customer, Account, or Furnisher
Profile Data	Yes, if supplied by Visitor, Customer, Account, or Furnisher	No
Usage Data	Yes, automatic	Yes, automatic
Communications Data	Yes, if supplied by Visitor, Customer, Account, or Furnisher	Yes, if supplied by Customer or Account
Organization Data	Yes, if supplied by Visitor, Customer, Account, or Furnisher	Yes, if supplied by Customer, Account, or Furnisher
Professional Data	No	Yes, if supplied by Customer, Account, or Furnisher
Education Data	No	Yes, if supplied by Customer, Account, or Furnisher
Public-record Data	No	Yes, if supplied by Customer, Account, or Furnisher
Predictive Data	No	Yes, if supplied by Customer or Furnisher or generated internally

What happens if you do not provide your personal data?

Where we need to acquire personal data by law or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter with you (for example, to provide you with services). In this case, we may have to cancel a service you have with us, but we will inform you if this is the case at the time.

If we need to obtain personal data about you to provide a service to our customer and you fail to provide that data when requested, we may not be able to provide that service to our customer. If we are unable to provide that service, then our customer might not grant you whatever benefit you were seeking that caused the customer to obtain services from us.

Once we collect personal data, how do we use it?

We use personal data about you when we have one of the following lawful bases:

• Legitimate Interest, which means the interest of our business in conducting and managing our business to enable us to serve you, the organization you represent, or our Customer. We consider and balance any potential impact on you (both positive and negative) and your rights before we process personal data about you for our legitimate interests. We do not use personal data about you for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or authorized to by law).
• Contract Requirement, which means a requirement to process personal data about you for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
• Legal Requirement, which means a requirement to process and retain personal data about you for compliance with a legal or regulatory obligation that we are or might be subject to.
• Legal Authority, which means a law that gives us authority to process and retain personal data about you.
• Consent, which means your express, written consent to process personal data about you.

Note that we may process personal data for more than one lawful basis depending on the specific purpose for which we are using personal data about you.

We have set out below, in table format, a description of the ways we plan to use personal data and which legal bases we rely on to do so. We have also identified our legitimate interests are where appropriate.

Purpose/Activity	Type of data	Basis for use
To register you as a new customer	Identity Contact Technical Organization	Contract Requirement Consent
To register you as a representative of a customer	Identity Contact Organization	Contract Requirement Legitimate Interest (to treat you as a representative of our customer) Consent Consent
To deliver our software services to you as a representative of our customer	Identity Contact Technical Transactional Communications Organization	Contract Requirement Legitimate Interest (to deliver services to our customer, for whom you are a representative) Consent
To process customer payments in our software services, including: Manage payments, fees and charges Collect and recover amounts	Identity Contact Financial Technical Transactional Communications Organization	Contract Requirement Legitimate Interest (to recover accounts due to us) Consent
To manage our relationship with you, including: Notifying you about changes to our terms or Privacy Policy Asking you to leave a review or take a survey	Identity Contact Characteristic Profile Usage Communications Organization	Contract Requirement Legal Requirement Legitimate Interest (to keep our records updated and to study how customers use our services) Consent
To enable you to take part in a drawing, competition, or survey	Identity Contact Characteristic Profile Usage Communications Organization	Contract Requirement Legitimate Interest (to study how customers use our services, develop them, and grow our business) Consent
To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)	Identity Contact Technical Transactional Profile Usage Communications Organization	Legitimate Interest (to run our business, obtain administration services, manage information technology, assure security, prevent fraud, and conduct business reorganizations or group restructurings) Legal Requirement Consent
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you	Identity Contact Technical Characteristic Profile Usage Communications Organization	Legitimate Interest (to study how customers use our services, develop them, grow our business, and inform our strategy) Consent
To use data analytics to improve our website, services, marketing, customer relationships and experiences	Technical Profile Usage Communications	Legitimate Interest (to define types of customers for our services, keep our website updated and relevant, develop our business, and inform our strategy) Consent
To make suggestions and recommendations to you about services that may be of interest to you	Identity Contact Technical Characteristic Transactional Profile Usage Communications	Legitimate Interest (to develop our services and grow our business) Consent
To provide you disclosures or notices about services or to obtain your authorization or consent to services	Identity Contact Technical Characteristic Transactional Usage Communications	Legitimate Interest (to provide information or to obtain permission on our customers' behalf) Legal Requirement Consent
To provide software services that are about you to a user of those services	Identity Contact Characteristic Credit Biometric Professional Education Public-record Predictive	Legitimate Interest (to perform services that are legally permitted for our customers) Legal Authority Consent
To provide software services that are about you to another provider of those services, for its use in providing those services to its users	Identity Contact Characteristic Biometric Professional Education Public-record	Legitimate Interest (to perform services that are legally permitted for our customers) Legal Authority Consent
To permit reinvestigation or verification of information on your request	Identity Contact Characteristic Biometric Communications Professional Education Public-record Predictive	Legitimate Interest (to assure that records are correct, correct or delete information, and prevent recurrence of future incorrect information) Legal Authority Consent

What happens if there is a change in the purpose?

Certain laws require us to do something if the purpose of our use changes. (For example, it might require us to get your consent or give you notice.) This section applies only to the extent that those laws apply to you and the data.

If we want to use personal data about you for a purpose other than the purpose for which we collected it, we will consider whether that purpose is compatible with the original purpose. If the purpose is compatible, we will use the personal data for that additional purpose. If you want to get an explanation about how the additional purpose is compatible with the original purpose, please contact us by email (at the email address shown in the contact details below). If the additional purpose is not compatible but we have a legal basis for using the personal data anyway, we will inform you and we will explain the legal basis which allows us to use or retain the personal data for the additional purpose.

Please note that our software service may be used to process personal data about you without your knowledge or consent in compliance with the above rules, where this is required or permitted by law.

How do we control using personal data for marketing purposes?

We provide you with choices regarding certain uses of personal data about you, particularly around marketing and advertising. We have established the following personal data control mechanisms:

We may use your Identity, Contact, Characteristics, Technical, Usage, and Profile Data to form a view on what we think you may want or need or what may be of interest to you. This is how we decide which products, services, and offers may be relevant for you (we call this marketing). You will receive marketing communications from us if you have requested information from us or purchased services from us or if you provided us with your details when you entered a competition or registered for a promotion and, in each case, you have not opted out of receiving that marketing.

We will get your express opt-in consent before we share personal data about you with any outside organization for their marketing purposes (this does not apply to service providers who assist us with our own marketing, whom we use to send emails on our behalf and manage your opt-out preferences in response to them).

You can ask us or our service providers to stop sending you marketing messages at any time by logging into the website and checking or unchecking relevant boxes to adjust your marketing preferences or by following the opt-out links on any marketing message sent to you. If you continue to receive marketing messages from us more than a few days after opting out, please contact us at support@payready.com. Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of the services.

Do we disclose personal data to third parties?

We may share personal data about you with the parties set out below for the purposes set out in the table above about how we plan to use personal data about you.

• Internal processors, meaning other companies under our common control.  We and they may disclose information to our and their employees, directors, and individuals acting as contractors. We assure that these companies, our personnel, and their personnel use the information in accordance with this Privacy Policy.
• External processors, meaning the categories set out below. We employ procedures to require our external processors to respect the security of personal data about you and to treat it in accordance with the law. We do not grant permission for our external processors to use personal data about you for their own purposes and only grant permission for them to process personal data about you for specified purposes and in accordance with our instructions.
• Providers of information technology and system administration services to us.
• Professional advisers (including lawyers, bankers, auditors, brokers, insurers, and marketing agencies) who provide consultancy, banking, legal, insurance, accounting, and marketing services to us.
• Organizations and individuals who obtain information on our behalf from data sources are described below.
• Other organizations that provide services to us or our Customers.
• Payment processors. The privacy policies and practices of these payment processors may be different from ours. We do not control them and assume no responsibility for them. We understand that their conduct for the information we provide them is governed by law, such as the Gramm-Leach-Bliley Act, or by card association rules, such as the rules of the Visa and MasterCard networks and the Payment Card Industry Security Standards Council.
• Marketing affiliates and program sponsors. If you register using a promotional code for one of our marketing affiliates or program sponsors, we may disclose information about you and your purchases (such as the name of your company and the value of your purchases each month) to the marketing affiliate or program sponsor. The privacy policies and practices of these marketing affiliates or program sponsors may be different from ours. We do not control them and assume no responsibility for them.
• Data Sources, meaning organizations and individuals who provide us data that we use in our services. The privacy policies and practices of these information sources may be different from ours. We do not control them and assume no responsibility for them. We understand that, in most cases, their conduct for the information we provide them is governed by law, such as the Fair Debt Collection Practices Act, Fair Credit Reporting Act and other consumer protection laws.
• Regulators, taxing authorities, law enforcement, and courts requiring the reporting of data in certain circumstances. We may disclose your information in the good faith belief that it is reasonably necessary to comply with law or legal process, respond to claims, or protect the rights, property, or safety of our company, employees, customers, or the public.
• Organizations to whom we may choose to sell or transfer all or part of our business or assets or with whom we may merge, consolidate, or amalgamate. If a change happens to our business, then the new owners may use personal data about you as set out in this Privacy Policy.
• Customers, meaning organizations, purchasing our services.

Data Retention

The time period for which Pay Ready retains customer data depends on the purpose for which it is used. Pay Ready retains customer data for as long as an account is active or in accordance with the agreement(s) between Pay Ready and the Customer unless Pay Ready is required by law to dispose of it earlier or keep it longer.

Data Disposal

Pay Ready disposes of customer data within 30 days of a request by a current or former customer or in accordance with the Customer's agreement(s) with Pay Ready. However, Pay Ready may retain and use data necessary for the contract, such as proof of contract, in order to comply with its legal obligations, resolve disputes, and enforce agreements. Pay Ready may also retain consumer data after customer termination as necessary to comply with applicable law.

Exceptions

Pay Ready business needs, local situations, laws, and regulations may occasionally call for an exception to our Data Retention and Disposal policy.

Biometrics Policy

As a service provider to its Clients and System Vendors, Pay Ready acquires and maintains data that may qualify as biometric identifiers or information covered under applicable law, such as fingerprint or driver’s license images, identification pictures, or voice print recordings.

Pay Ready gathers and stores such data for the purpose of completing transactions requested by platform users, maintaining evidence of prior authorization and transactions to comply with applicable law, and/or enabling consumer identification to prevent fraud and maintain security on the platform.

Pay Ready may disclose such data to third-party vendors under the agreement for the purposes above. Pay Ready does not sell biometric data.

Pay Ready retains such data in accordance with its data security safeguard practices.

Pay Ready retains such data no longer than is reasonably necessary to comply with the law, protect against fraud or security threats to the platform, or provide the services for which the biometric identifier was enrolled.

Separately, Clients and Vendors using the Pay Ready platform may retain biometric data they collected elsewhere on the platform and disclose such data from the platform according to their applicable privacy policies. Users should address questions about such use directly to those Clients or Vendors.

Do US Residents have rights regarding their personal information?

If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Minnesota, Montana, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, or Virginia, you may have the right to know or request access to and receive details about the personal information we maintain about you and how we have processed it. You may have the right to correct inaccuracies, get a copy of, or delete your personal information. We will not discriminate against you for exercising your rights. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances, and we may decline your request as permitted by applicable law.

You may have the right to obtain a list of the categories of third parties to which we have disclosed personal information (as permitted by applicable law, including California’s and Delaware’s privacy laws). Those categories are listed within this Privacy Policy.

You may have the right to obtain a list of specific third parties to which we have disclosed personal information (as permitted by applicable law, including Oregon’s privacy law).

You may have the right to opt out of the gathering of sensitive and/or personal information collected through the operation of a voice or facial recognition feature (as permitted by applicable law, including Florida’s privacy law).

You may have the right to limit the use and disclosure of sensitive personal information (as permitted by applicable law, including California’s privacy law).

Virginia Residents

In addition to the rights described above, you also have the right to opt-out from the processing of your personal information for the purposes of profiling in furtherance of decisions that produce legal or similarly significant effects on you, which we do not do. You also have the right to opt out of targeted advertising and selling (as such terms are defined under the VCDPA). However, as noted above, Pay Ready does not participate in the selling of your personal information.

Regardless, we must inform you that If we refuse to take action on a request within a reasonable period of time after receiving your request in accordance with this section. In such an appeal, you must (1) provide sufficient information to allow us to verify that you are the person about whom the original request pertains and to identify the original request and (2) provide a description of the basis of your appeal. Please note that your appeal will be subject to your rights and obligations afforded to you under the VCDPA. We will respond to your appeal within 60 days of receiving your request. If we deny your appeal, you have the right to contact the Virginia Attorney General using the methods described at https://www.oag.state.va.us/consumer-protection/index.php/file-a-complaint.

Pay Ready will honor the exercise of rights or appeals of decisions of Virginia residents requested via email at support@payready.com

California Residents

Under the California Consumer Privacy Act (the "CCPA") and the California Privacy Rights Act (the "CPRA"), we are a Service Provider. As a Service Provider, we will not retain, use, or disclose personal information obtained in the course of providing services except:

1. To process or maintain personal information on behalf of the business that provided the personal information or directed the service provider to collect the personal information in compliance with the written contract for services required by the CCPA;
2. To retain and employ another service provider as a subcontractor, where the subcontractor meets the requirements for a service provider under the CCPA and these regulations;
3. For internal use to build or improve the quality of its services, provided that the use does not include building or modifying household or consumer profiles to use in providing services to another business or correcting or augmenting data acquired from another source;
4. To detect data security incidents or protect against fraudulent or illegal activity; or
5. For the purposes enumerated in Civil Code section 1798.145, subdivisions (a)(1) through (a)(4).

The following is information organized in a way that the California Consumer Privacy Act (the “CCPA”) and the California Privacy Rights Act (the "CPRA") require us to supply. It only applies to you if you live in California, though out of an abundance of caution, we are applying it to the entire United States. This table has the following information in it:

• The first column identifies the type of data using the definitions above.
• The second column says whether we sold any personal data of that type in the 12 months before we posted this Privacy Policy.
• The third column says whether we disclose any personal data of that type for a business purpose in the 12 months before we posted this Privacy Policy. If so, we disclosed it as described in the section above.
• The fourth column identifies whether, in the 12 months before we posted this Privacy Policy, we provided any personal data of that type in a consumer-reporting activity. California Civil Code section 1798.145(d) excludes consumer-reporting activity from the CCPA, so we have not included it in the second or third columns. (In some circumstances, section 1798.145(e), (f), or (h) may also apply as an exclusion.) We include it in the fourth column to prevent confusion about what the table means. Additionally, section 1798.140(o)(2) excludes Public-record data from the definition of “personal information.” Again, we include that row to prevent confusion about what the table means.

Type of Data	Sold?	Disclosed?	Consumer Reporting?
Identity	No	Yes	Yes
Contact	No	Yes	No
Financial	No	Yes	Yes
Technical	No	Yes	No
Characteristic	No	Yes	Yes
Transactional	No	Yes	No
Credit	No	Yes	Yes
Biometric	No	Yes	Yes
Profile	No	Yes	No
Usage	No	Yes	No
Communications	No	Yes	No
Organization	No	Yes	No
Professional	No	Yes	Yes
Public-record	No	Yes	Yes
Predictive	No	Yes	Yes

Additionally, California law defines the term “sell” to include any disclosure of “personal information” in exchange for anything of value. Depending on how this law is interpreted, it could include a situation in which we provide your information to another organization so that it can do something with the information for us. Because we receive the benefit of that processing, which is of value to us, any such relationship might be the sale of personal data. Therefore, we hereby notify you that we may sell personal data about you to the extent that the term “sell” is interpreted in that manner.

The CPRA expands certain definitions under the CCPA, which includes the term "Sharing", which means sharing or otherwise communicating orally, in writing, or by electronic or other means, a consumer's personal information by the business to a third party for cross-context behavioral advertising, whether or not for monetary or other valuable consideration. Therefore, we hereby notify you that we may share personal data about you to the extent that the term "share" is interpreted in that manner.

Do we oversee the privacy of sites to which we link?

This website may provide links to third-party websites. Those third-party websites are outside of our control and are not covered by this Privacy Policy. The privacy policies and practices of these sites may be different from ours. We do not control them and assume no responsibility for them. If you have questions about how another website uses your information, consult that website's privacy statement.

Where might your information be stored, used, or disclosed?

We (and anyone to whom we disclose information) may store, access, disclose, and use information in jurisdictions whose privacy laws are different and less protective than those of your home jurisdiction.

What security measures do we use?

We are committed to protecting the personal data that we receive. While we cannot guarantee the security of that data, we utilize a combination of online and offline security technologies, procedures, and organizational measures to help safeguard consumer information against loss, misuse, unauthorized access, disclosure, alteration, and destruction.

We employ Secure Socket Layer (SSL) data encryption when data is transmitted over the Internet to our website. We have installed layered firewalls and other security technologies to help prevent unauthorized access to our systems. Strong password protection protocols are used on our employees' computers, and employees are regularly trained on our security and privacy policies. The servers used to store consumer information are maintained in a secure physical environment with appropriate physical security measures.

What are your rights?

If you would like to obtain disclosure of or dispute information that we have included, have provided for inclusion, might later include, or might later provide for inclusion in a consumer report, please contact us as set out in the contact details below.

Under certain circumstances, you have rights under data protection laws in relation to personal data about you. Please see below for specific rights that may apply to your location. If you wish to exercise any of those rights, please contact us as set out in the contact details below.

Please note that we may need to retain certain information for recordkeeping and risk management purposes, including but not limited to compliance with laws relating to anti-money laundering and counter-terrorist financing and/or to complete any transactions.

What rights do you have in California?

California Consumer Privacy Act Notice

The California Consumer Privacy Act (the "CCPA") and the California Privacy Rights Act (the "CCPRA") provide you certain rights if you are a California resident. However, the CCPA and CPRA also have exceptions. Generally, our business falls within those exceptions, and the CCPA and CCPRA do not apply. But if you want disclosure or correction of information that we hold about you within these parts of our business, you can still request a disclosure or reinvestigation from us. Information about how to do so is available by contacting us as set out in the contact details below.

You have the following rights if you are a California resident:

• You have the right to request us to disclose information that we have collected about you, including the general categories of information, the categories of sources from which we collected the information, the purpose for collecting or selling that information, the categories of third parties with whom we share the information, and the specific pieces of information we have collected.
• If we sell or share personal information or disclose it for a business purpose, you also have the right to request the categories of third parties to whom we sold your information or disclosed your information for a business purpose (by category of personal information in each case).
• You have the right to opt out of certain uses and disclosure of sensitive personal information.
• You have the right to request to opt-out of our sale of personal data about you.
• You have the right to correct inaccurate personal information.
• You have the right to opt-out of automated decision-making technology.
• You have the right to access information related to automated decision-making.
• You have the right to limit the use or disclosure of SPI.
• You have the right to enhanced transparency about our business's information practices, including information about data retention periods.
• You have the right to be free of retaliation for exercising your rights under the CCPA.

You may make a request under the CCPA and the CPRA by emailing us at support@payready.com or calling us toll-free at 877-857-0403. You must include the following information: your full name; all physical addresses we may have associated with you; all email addresses we may have associated with you; all telephone numbers we may have associated with you; and all housing providers we may have associated with you. If you are requesting that we disclose, correct, or delete specific personal data information to you (as opposed to disclosing categories of personal data), you must also provide a legible image of a government-issued ID. You may hide the identification number and photo from that ID, but you must not hide the name or address shown on it. We will use the information you supply to identify relevant information in our systems. If you want us to disclose the information to an agent, you must say so in writing and provide us with the mailing address of the agent.

Do Not Sell My Personal Information

To opt out of our sale of information to the extent required under the California Consumer Privacy Act (the “CCPA”) and the California Privacy Rights Act (the "CPRA"), please send an email to support@payready.com:

• your full name
• all physical addresses we may have associated with you
• all email addresses we may have associated with you
• all telephone numbers we may have associated with you
• all employers we may have associated with you
• a legible image of a government-issued ID showing your address in California (You may hide the identification number and photo from that ID, but you must not hide the name or address shown on it.)

Personal Information Disclosure: United States or Overseas

This is a disclosure under California law, applicable only to the extent that the law applies.

Our services are controlled and operated by us from the United States and are not intended to subject us to the laws or jurisdiction of any state, country, or territory other than that of the United States. Your personal information may be stored and processed in any country where we have facilities or in which we engage service providers, and by using or accepting our services, you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have data protection rules that are different from those of your country. In certain circumstances, courts, law enforcement agencies, regulatory agencies, or security authorities in other countries may be entitled to access your personal information.

Additionally, we may use contractors located outside the United States to perform functions that our own employees also perform, such as public records research, employment, education, license verification, and customer service.

How do we change this Privacy Policy?

We may change our Privacy Policy at any time but will not do so without posting the revised policy on this website. We encourage you to review this Privacy Policy whenever you visit our website to make sure you understand how we use the information we collect.

How can you get more information?

For more information about our privacy practices or policies, please contact our Support Team by:

Email at support@payready.com; or

Pay Ready, Inc.
ATTN: Privacy
319 S. 3rd St, Suite 200
Las Vegas, NV 89101